# OpenProse Insurance

Build policy-specific exposure, underwriting and claims work from evidence, with a traceable distinction between loss, coverage, indemnity, reserve and payment. Use the selected [OpenProse kernel](../core/README.md). An index link does not adopt or invoke its target.

Select a capability, supply the actual policy or proposed terms, relevant dates, records, decision purpose, authority and output scope. Ordinary use permits the executor to choose its method; selected workers and criteria have the specific roles described in each contract. These definitions supply no insurance policy, jurisdiction, professional appointment or live transaction interface by default.

| Commission | Contract |
| --- | --- |
| Establish the shared policy, evidence and action boundary | [Insurance basis](contracts/insurance-basis.md) |
| Reconstruct wording and endorsements in force at a date | [Policy reconstruction](contracts/policy-reconstruction.md) |
| Rebuild locations, values and exposure through time | [Exposure reconstruction](contracts/exposure-reconstruction.md) |
| Determine what happened and which facts remain disputed | [Loss investigation](contracts/loss-investigation.md) |
| Apply coverage provisions to facts and competing readings | [Coverage analysis](contracts/coverage-analysis.md) |
| Calculate indemnity through deductibles, limits and aggregates | [Indemnity calculation](contracts/indemnity-calculation.md) |
| Construct an interruption loss from a supported counterfactual | [Interruption loss](contracts/interruption-loss.md) |
| Separate recoverable rights, expected collections and receipts | [Recovery allocation](contracts/recovery-allocation.md) |
| Estimate unpaid claims and explain reserve movement | [Unpaid claims](contracts/unpaid-claims.md) |
| Develop underwriting or placement options for a stated objective | [Underwriting decision](contracts/underwriting-decision.md) |
| Compare two supplied methods on the same risk | [Underwriting comparison](contracts/underwriting-comparison.md) |
| Carry a physical/interruption loss through layers and unpaid balances | [Interruption claim](contracts/interruption-claim.md) |
| Allocate ground-up loss through participating and aggregate-limited layers | [Layer allocation](contracts/layer-allocation.md) |
| Project cohort claims and explain later reserve development | [Development estimate](contracts/development-estimate.md) |
| Select paid-pattern or prior-based unpaid projection | [Paid development](contracts/paid-development.md) · [Expected-loss development](contracts/expected-loss-development.md) |
| Carry placement through exposure changes, premium audit and renewal | [Policy cycle](contracts/policy-cycle.md) |
| Check simultaneous concentrations and required cover against appetite | [Accumulation appetite](contracts/accumulation-appetite.md) |
| Prepare or perform an authorized claim disposition | [Claim disposition](contracts/claim-disposition.md) |

For a connected property claim, start with [Alder interruption and tower](tests/interruption-tower/program.md): counterfactual revenue flows through waiting periods, mitigation, exhausted primary capacity, excess participation and the unpaid movement. [Its assessment](tests/interruption-tower/suite.md) challenges hidden drop-down, unsupported settlement and missing mitigation evidence.

For portfolio estimation, [Harbor reserve development](tests/development/program.md) compares replaceable paid-pattern and prior-expected-loss projections at successive valuations; [its assessment](tests/development/suite.md) challenges double-counted case reserves and absent priors. For placement operations, [Juniper policy cycle](tests/policy-cycle/program.md) carries issued and pending exposure changes into earned premium and renewal, with a replaceable concentration appetite and [assessment](tests/policy-cycle/suite.md). These are invocable fictional applications with authored expectations; their presence does not establish fresh execution or beta qualification.

Runnable synthetic commissions: [two property claims](tests/claims/program.md), [underwriting method comparison](tests/underwriting/program.md), and [a loss spanning an endorsement boundary](tests/uncertain/program.md). Each needs a caller-provided output location; outputs belong outside the installed package. [The suite](tests/suite.md) assesses authored controls and their relations. [The execution loop](tests/loop.md) additionally requires fresh subject invocations. Test definitions and expected findings are not execution evidence.

[Temporal interpretation](tests/temporal/program.md) composes Law with conditional Insurance calculations, preserving a historical knowledge view beside a later reconstruction. Its [assessment](tests/temporal/suite.md) checks actual policy and worker substitutions. [Coherent financial-order controls](tests/claims/order-suite.md) distinguish unchanged totals, different valid presentation and a genuine replacement policy.

[The settlement commission](tests/settlement/program.md) requires an actual modeled payment through a separately [prepared finite double](tests/settlement/double.md). Its [assessment](tests/settlement/suite.md) distinguishes settlement, lost acknowledgement, unknown state, stale evidence and unavailable capability. Preparing that environment and executing its subject are separate work.

Dependencies: the selected sibling core and law packages. Law supplies the temporal example's default Interpretation worker; ordinary Insurance primitives remain directly usable without invoking Law.

[MIT license](LICENSE.md).